BlastPoint's Banking Scorecard
First State Bank of Swanville
Micro
Specialty: Commercial
MN
FDIC cert 8218
Designations: ✓ Community bank
Swanville, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
First State Bank of Swanville demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.11% above tier
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 26.86% above tier
- + Tier 1 Capital Ratio 17.06% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$23.0M
-7.7% YoY
-7.2% QoQ
|
-$194.5M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$16.1M
-14.1% YoY
-3.1% QoQ
|
-$123.1M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 5% in tier |
| Total Deposits ? |
$18.2M
-10.7% YoY
-9.0% QoQ
|
-$165.5M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
1.35%
+27.4% YoY
-26.8% QoQ
|
+0.27% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
67% |
| Net Interest Margin ? |
5.96%
+9.4% YoY
+3.9% QoQ
|
+2.11% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
77.71%
-0.0% YoY
+13.4% QoQ
|
+9.98% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
24% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
88.20%
-3.8% YoY
+6.5% QoQ
|
+13.68% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
49.25%
+19.1% YoY
+1.7% QoQ
|
+26.86% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? |
0.72%
-7.3% QoQ
|
+0.27% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
25.91%
+17.8% YoY
+3.9% QoQ
|
+17.06% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.43%
+3.0% YoY
+38.9% QoQ
|
-0.14% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
60% |
Signature Analysis
Strengths (4)
Net Interest Margin
metric
Top 2%
in Micro
Why this stands out
Current:
5.96%
(Tier avg: 3.85%, National avg: 3.75%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 2%
in Micro
Why this stands out
Current:
49.25%
(Tier avg: 22.39%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
25.91%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
98
98th pctile
Net Interest Margin
Current: 5.96% · Tier avg: 3.85%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 49.25% · Tier avg: 22.39%
94
94th pctile
Tier 1 Capital Ratio
Current: 25.91% · Tier avg: 8.85%
73
73th pctile
Loan-to-Deposit Ratio
Current: 88.20% · Tier avg: 74.53%
67
67th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.08%
60
60th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.72% · Tier avg: 0.45%
24
24th pctile
Efficiency Ratio
Current: 77.71% · Tier avg: 67.73%
5
5th pctile
Total Loans
Current: $16.1M · Tier avg: $139.2M
2
2th pctile
Total Deposits
Current: $18.2M · Tier avg: $183.7M
2
2th pctile
Total Assets
Current: $23.0M · Tier avg: $217.5M
Top Weaknesses
2
2th pctile
Total Assets
Current: $23.0M · Tier avg: $217.5M
2
2th pctile
Total Deposits
Current: $18.2M · Tier avg: $183.7M
5
5th pctile
Total Loans
Current: $16.1M · Tier avg: $139.2M
24
24th pctile
Efficiency Ratio
Current: 77.71% · Tier avg: 67.73%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.72% · Tier avg: 0.45%
60
60th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
67
67th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.08%
73
73th pctile
Loan-to-Deposit Ratio
Current: 88.20% · Tier avg: 74.53%
94
94th pctile
Tier 1 Capital Ratio
Current: 25.91% · Tier avg: 8.85%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 49.25% · Tier avg: 22.39%
98
98th pctile
Net Interest Margin
Current: 5.96% · Tier avg: 3.85%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%